There are many options when insurance shopping for your vehicle. You can buy direct from your neighborhood insurance agent or go online to compare rates from multiple companies. Shopping for auto insurance online can be fast and easy and there is a good chance you will probably save money.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of companies competing for your business. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. This is very easy and can be done by comparing rates here.

Insurance rates on a 1999 can vary widely depending on several factors. Some of these factors include:

• Higher performance 1999 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the cost to replace them can inflate annual premiums. But newer models may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can lower rates.

Liability coverage - This coverage protects you from damage that occurs to people or other property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision - Collision coverage pays for damage to your resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 1999 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.